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All Journal Warmadewa Economic Development Journal (WEDJ) JAF- Journal of Accounting and Finance Abdimasku : Jurnal Pengabdian Masyarakat Journal of Applied Sciences in Accounting, Finance, and Tax BHAKTI PERSADA Jurnal Aplikasi IPTEKS (Journal of Applied Sciences and Technology) Manajemen : Jurnal Ekonomi Media Riset Bisnis Ekonomi Sains dan Terapan Proceeding Seminar Nasional Riset Terapan Administrasi Bisnis dan Mice (SNRT)
Sandhika Cipta Bidhari
Politeknik Negeri Jakarta
Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Nursing Public Health Social Sciences Transportation Other

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Peran Literasi Keuangan Digital terhadap Ketangguhan Manajemen Keuangan Keluarga Sandhika Cipta Bidhari; Heidy Puspa Alyssa; Kayila Azzahra; Imelda Nadya Sawitri
Warmadewa Economic Development Journal (WEDJ) Vol. 9 No. 1 (2026): Warmadewa Economic Development Journal (WEDJ)
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.9.1.2026.1-8

Abstract

The digital transformation has fundamentally changed household financial management through the penetration of financial technology such as e-wallets, e-banking services, and digital-based financial applications. This study aims to analyze the influence of digital financial literacy on family financial management effectiveness by developing an applied quantitative model framework that combines digital literacy dimensions and financial management indicators comprehensively. The research used an associative quantitative approach with survey method on 30 employees of the Social Service for Women's Empowerment and Child Protection of Mojokerto Regency who actively use digital financial services. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM) approach with SmartPLS version 3.0 software. The results showed that digital financial literacy has a significant but complex influence on family financial management effectiveness. Financial technology knowledge (? = 0.210) and digital financial risk understanding (? = 0.090) contribute positively, while digital money knowledge (? = -0.032) shows negative influence indicating potential consumptive risk from easy access to digital transactions. The structural model produces an R-square value of 0.075, indicating that 7.5% of variation in family financial management can be explained by the three digital financial literacy constructs. This research contributes theoretically by developing a more nuanced understanding of the relationship between digital financial literacy and household financial behavior, showing that not all aspects of digital literacy contribute positively to financial management.
Pengaruh Literasi Keuangan Digital Dan Perilaku Penggunaan Platform Fintech Terhadap Resiliensi Keuangan Keluarga ASN: Peran Mediasi Loyalitas Platform Heidy Puspa Alyssa; Sandhika Cipta Bidhari; Annisa Nur Hasanah
Manajemen: Jurnal Ekonomi Vol. 8 No. 1 (2026): Manajemen: Jurnal Ekonomi Vol 8 No 1 Maret 2026
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/yppvzj68

Abstract

Penelitian ini mengkaji pengaruh literasi keuangan digital terhadap resiliensi keuangan keluarga Aparatur Sipil Negara (ASN) melalui peran perilaku penggunaan platform teknologi finansial dan loyalitas platform. Penelitian menggunakan pendekatan survei kuantitatif terhadap 30 anggota Dharma Wanita Persatuan yang berafiliasi dengan Dinas Sosial, Pemberdayaan Perempuan, dan Perlindungan Anak Kabupaten Mojokerto. Seluruh responden merupakan perempuan yang berperan sentral dalam pengelolaan keuangan keluarga dan secara aktif menggunakan minimal dua aplikasi fintech. Analisis data dilakukan menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM) dengan prosedur bootstrapping sebanyak 5.000 resampling. Hasil penelitian menunjukkan bahwa literasi keuangan digital berpengaruh signifikan dan kuat terhadap perilaku penggunaan platform fintech (β = 0,852; t = 27,649; p < 0,001). Namun, literasi keuangan digital tidak berpengaruh langsung secara signifikan terhadap resiliensi keuangan keluarga (β = 0,203; t = 0,983; p = 0,163). Perilaku penggunaan platform fintech berpengaruh signifikan terhadap loyalitas platform (β = 0,514; t = 4,641; p < 0,001), sedangkan loyalitas platform tidak berpengaruh signifikan terhadap resiliensi keuangan keluarga dan menunjukkan arah hubungan negatif (β = –0,079; t = 0,298; p = 0,383). Sebaliknya, variabel kontrol berupa tingkat pendapatan keluarga memiliki pengaruh positif dan signifikan terhadap resiliensi keuangan keluarga (β = 0,495; t = 3,380; p < 0,001). Temuan ini menunjukkan bahwa literasi keuangan digital lebih berperan dalam membentuk perilaku penggunaan fintech dibandingkan secara langsung meningkatkan resiliensi keuangan, serta mengindikasikan adanya potensi loyalty paradox dalam pemanfaatan platform fintech oleh keluarga ASN
KUALITAS LAYANAN AI TOOLS DAN RELIGIUSITAS: DAMPAK TERHADAP NIAT PEMBELIAN ONLINE SHOPPING PADA KONSUMEN MUSLIM Inas Afifah Zahra; Rika Lisnawati; Sandhika Cipta Bidhari
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 5, No 2 (2026): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v5i2.1053

Abstract

This study examines the impact of AI Tools service quality, represented by response accuracy, consistency, and technology quality, on online shopping purchase intention among Muslim consumers, with religiosity serving as a moderating variable. The increasing adoption of artificial intelligence in e-commerce has enhanced customer service and shopping experiences; however, limited research has explored its effectiveness in influencing purchase intention among Muslim consumers. This study employed a quantitative approach using a survey of 100 Muslim consumers in the Greater Jakarta area (Jabodetabek), Indonesia. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that response accuracy has a positive and significant effect on purchase intention, while consistency and technology quality do not significantly influence purchase intention. Furthermore, religiosity does not moderate the relationships between response accuracy, consistency, technology quality, and purchase intention. These findings suggest that Muslim consumers place greater emphasis on the accuracy and relevance of information provided by AI Tools than on technological sophistication or personal religiosity when making online purchasing decisions.Keywords: AI Tools Service Quality, Muslim Consumers, Online Shopping, Purchase Intention, Religiosity
QRIS in the Hands of Gen Z: Balancing Lifestyle, Literacy, and Locus of Control Iqnatia; Sandhika Cipta Bidhari
JAF (Journal of Accounting and Finance) Vol. 10 No. 1 (2026): JAF - Journal of Accounting and Finance
Publisher : FEB-Telkom University Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/jaf.v10i1.10080

Abstract

The rapid adoption of digital payment systems, specifically QRIS, has fundamentally transformed the consumption patterns and financial habits of Generation Z. However, this digital shift presents significant challenges, as a consumptive lifestyle, insufficient financial literacy, and diminished self-control often hinder the development of prudent financial management. This study investigates the impact of financial literacy, lifestyle, and locus of control on the financial management behavior of 100 Gen Z QRIS users in Jakarta. Employing a quantitative approach with purposive sampling, the criteria included individuals aged 17–28 who utilize QRIS at least three times monthly. Data were analyzed using multiple linear regression via SPSS 26. The findings demonstrate that financial literacy, lifestyle, and locus of control, both partially and simultaneously exert a positive and significant influence on the financial management behavior of Generation Z in the digital payment ecosystem.
Pelatihan Foto Produk Sederhana Bagi UMKM “Rendang Bundo Ade” Ida Nurhayati; Nining Latianingsih; Iis Mariam; Sandhika Cipta Bidhari; Iwan Sonjaya; Arizal Putra Pratama
Bhakti Persada Vol. 11 No. 2 (2025): November (2025): Bhakti Persada Jurnal Aplikasi IPTEKS
Publisher : Unit Publikasi Ilmiah, P3M, Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/bp.v11i2.38-45

Abstract

Pelatihan fotografi produk yang dilaksanakan untuk UMKM Rendang Bundo Ade bertujuan untuk meningkatkan keterampilan peserta dalam menghasilkan visual produk yang menarik guna mendukung strategi pemasaran digital. Pelatihan ini meliputi beberapa tahapan, yaitu pengenalan konsep dasar fotografi, diskusi interaktif, praktik langsung, dan evaluasi hasil karya. Peserta yang merupakan pegawai UMKM Rendang Bundo Ade  diajarkan teknik dasar seperti pencahayaan, komposisi, dan pengambilan sudut yang tepat menggunakan perangkat sederhana, seperti kamera ponsel. Hasil pelatihan menunjukkan peningkatan signifikan pada kemampuan peserta dalam memproduksi foto produk yang estetis dan profesional. Foto yang dihasilkan diharapkan dapat memperkuat daya tarik visual produk di platform digital, termasuk media sosial dan e-commerce. Pelatihan ini memberikan fondasi penting bagi UMKM dalam menciptakan konten visual berkualitas, yang secara langsung mendukung pemasaran digital mereka. Dengan keterampilan baru ini, Rendang Bundo Ade diharapkan mampu memperluas jangkauan pasar, meningkatkan daya saing, dan mendorong keberlanjutan usaha di era digital. Pelatihan ini merupakan langkah strategis dalam memberdayakan UMKM untuk menghadapi tantangan dan peluang di pasar modern.
Reaksi Pasar Modal Indonesia Saat Penerapan Kebijakan Opsen Pajak Syiva Salsabila; Sandhika Cipta Bidhari
Seminar Nasional Riset Terapan Vol. 14 No. 01 (2025): SNRT XIV TAHUN 2025
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study examines the impact of the tax opsen policy implementation on the Indonesian capital market, as the capital market is often sensitive to events containing economic information. The objective of the study is to determine the market reaction to the tax opsen policy. To achieve this objective, a comparative test with a quantitative approach is used in this study. This study measures market reaction using Abnormal Return and Trading Volume Activity variables, specifically for the Automotive and Components Sub-Sector listed on the Indonesia Stock Exchange (IDX), as the opsen policy is related to motor vehicle tax. In the sample selection, Purposive Sampling was used to acquire a sample of 14 companies. The Wilcoxon Signed Ranks Test, a non-parametric technique appropriate while dealing with non-normally distributed data, is used in this study. The average abnormal return was different seven days prior and seven days following the adoption of the tax opsen policy, according to the study’s findings. However, the average trading volume activity over the seven days prior to and following the tax opsen policy’s the introduction does not differ much. This indicates the capital market reacts to events, as evidenced by fluctuations in stock prices. Therefore, it is essential that investors to be aware of news or events related to government-issued policies before making investment decisions in the capital market.
Edukasi Perencanaan Keuangan Dengan Aplikasi Digital Pada Forum Puspa Kota Mojokerto Sandhika Cipta Bidhari; Ida Nurhayati; Efriyanto Efriyanto; Kayila Azzahra; Imelda Nadya Sawitri
ABDIMASKU : JURNAL PENGABDIAN MASYARAKAT Vol 9, No 3 (2026): SEPTEMBER 2026
Publisher : LPPM UNIVERSITAS DIAN NUSWANTORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62411/ja.v9i3.3413

Abstract

Kegiatan ini dilatarbelakangi oleh data bahwa masih rendahnya literasi keuangan di kalangan masyarakat terutama terkait dengan financial technology (fintech). Digitalisasi telah merambah berbagai lini masyarakat sehingga penting untuk memahami dan menerapkan penggunaan aplikasi digital dalam kehidupan sehari-hari. Pentingnya perencanaan keuangan pribadi terutama di kalangan perempuan karena perempuan memegang keputusan keuangan dalam keluarga. Tujuan dari edukasi ini adalah untuk meningkatkan pemahaman dan keterampilan anggota Forum PUSPA dalam menyusun anggaran, mengelola arus kas, serta merencanakan investasi dan tabungan jangka panjang melalui pemanfaatan teknologi digital yaitu aplikasi Sepran. Metode yang digunakan dalam edukasi ini meliputi penyuluhan interaktif, demonstrasi penggunaan aplikasi perencanaan keuangan digital, serta pendampingan personal. Hasil kegiatan menunjukkan adanya peningkatan signifikan dalam pemahaman peserta mengenai konsep dasar perencanaan keuangan dan kemampuan mereka dalam mengoperasikan aplikasi digital untuk keperluan finansial. Partisipasi aktif dan umpan balik positif dari peserta mengindikasikan bahwa edukasi ini efektif dalam memberdayakan anggota Forum PUSPA untuk mencapai stabilitas keuangan yang lebih baik. Rekomendasi lebih lanjut mencakup evaluasi dampak jangka panjang dari penerapan perencanaan keuangan digital dan pengembangan modul edukasi yang lebih spesifik sesuai kebutuhan beragam kelompok masyarakat.
Socialization and tax literacy on the compliance of individual taxpayers using TikTok in DKI Jakarta Salma Fitri Castalini; Sandhika Cipta Bidhari
Journal of Applied Sciences in Accounting, Finance, and Tax Vol. 9 No. 2 (2026): October 2026
Publisher : Unit Publikasi Ilmiah, P3M, Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jasafint.v9i2.91-100

Abstract

The low level of compliance of individual taxpayers is caused by the complexity of regulations and a lack of understanding of taxation, thus hampering the optimization of state revenue. To overcome this, it is necessary to increase tax literacy and socialization through effective and accessible media. TikTok as one of the popular platforms in Indonesia, has great potential in disseminating tax information. This study aims to examine the effect of socialization and tax literacy on the compliance of individual taxpayers using TikTok in DKI Jakarta, partially and simultaneously. The research method used is quantitative, with a survey approach and distributing questionnaires distributed through Google Forms. Primary data is obtained from questionnaires filled out by respondents, while secondary data come from previous studies. A sample of 100 respondents was selected using a purposive sampling technique with the Cochran formula. Data analysis was carried out using multiple linear regression through SPSS 27, as well as through data instrument testing, classical assumptions, multiple linear regression, and hypothesis testing. The results showed that tax socialization and tax literacy had a positive and significant effect on taxpayer compliance, with a contribution of 64%.
Co-Authors Annisa Nur Hasanah Arizal Putra Pratama Efriyanto Efriyanto Heidy Puspa Alyssa Ida Nurhayati Iis Mariam Imelda Nadya Sawitri Inas Afifah Zahra Iqnatia Kayila Azzahra Nining Latianingsih Rika Lisnawati Salma Fitri Castalini Sonjaya, Iwan Syiva Salsabila